Drive away with a rate you'll actually love.
Get an affordable rate, fast approval, and zero surprises when you work with MyUSA Credit Union for your next auto, motorcycle, boat, or RV loan.
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8 local branches
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Quick decisions
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Free CARFAX Report
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Affordable, Trusted, Local
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8 local branches ∘ Quick decisions ∘ Free CARFAX Report ∘ Affordable, Trusted, Local ∘
Pair and Save!
Budgets are tight for everyone these days. That’s why we’re proud to offer affordable auto, motorcycle, boat, and RV loan rates to members across Southwest Ohio — plus, get as low as 4.45% APR* when you pair your auto loan with a credit card!
Scroll to the bottom of the page for a direct application link
Why MyUSA?
No big bank energy. We’re a Member-owned credit union serving Southwest Ohio for nearly a century – we know our communities.
Free CARFAX Report
We provide a free vehicle history report to protect every Member — at no extra cost.
Auto Link Car Buying Site
Get upfront pricing, take virtual test drives, and get guided through the whole process online.
Little to No Down Payment
Even taxes and fees can be rolled into a loan. More cash stays in your pocket.
Loan Protection Options
GAP, Depreciation Protection Waiver, Debt Protection, and Mechanical Breakdown Protection available.
Car Loan Calculator
3 steps to your new ride
HOW IT WORKS1
Enter your email
No obligation to get started.
2
Complete your application
Quick and easy online, with real people and local experts ready to walk you through your options and help you make the best budget-friendly decision.
3
Drive away
If your application is approved, you can sign your documents and hit the road, all without setting foot in a branch. It’s that simple.
Scroll to the bottom of the page for a direct application link
Trusted by Members
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Opened accounts here, as well as two car loans, and these folks are the absolute BEST to work with. Professional, courteous, efficient, and thorough.
—Cindi L. -
I opened my first bank account here 20 years ago and couldn't be happier. This bank has helped me through every point in my life from low interest loans, financing a new car at fixed rates, and financial hardships during rough patches.
—Jocelyn N. -
My wife and I had the best and easiest transaction when it came to purchasing a vehicle through My USA Credit Union. They are easy to work with and very helpful along the way with the process!
—Hudson S.
Frequently Asked Questions
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Cars, trucks, SUVs, motorcycles, boats, campers, ATVs, jet skis, and RVs — new or used.
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You'll become a member as part of the process – just $5 to open your Main Share account. Open to anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren County, Ohio. Apply now for membership.
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$5,000 minimum for standard loans. $10,000 minimum for terms over 63 months. $95 processing fee and title fees ($15–$32) apply.
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No prepayment penalties — pay it off early without any extra fees.
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You can check your score anytime for free with SavvyMoney in our app, with no impact to your score, or get personalized guidance from our team.
Find Us Near You
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![Exterior view of a MyUSA Credit Union building with a parking lot and handicapped parking spaces in the foreground, under a partly cloudy sky.]()
Plaza
BRANCH & ATM
3600 Towne Blvd
Middletown OH, 45005 -
![Empty service counter at MyUSA credit union with a blue wall, desks, and a beaming heart logo]()
Crawford
BRANCH & ATM
1201 Crawford St
Middletown, OH 45044 -
![A drive-thru area of a service station with a red brick building, ATM and pay phone, and signs indicating open and pet. In the background, there is an AutoZone store and a parking lot with cars.]()
Trenton
BRANCH & ATM
933 West State St
Trenton, OH 45067 -
![A sign for My USA Credit Union on a stone base in a grassy area, with a clear blue sky and power lines overhead.]()
Vandalia
BRANCH & ATM
536 W National Rd
Vandalia, OH 45377 -
![Exterior of a white building with a red awning, bushes, and a sidewalk in front, and a sign that reads 'MyUSA' on the building.]()
Kettering
BRANCH & ATM
21 West Dorothy Ln
Kettering, OH 45429 -
![Inside a financial services office, a long counter with multiple computer stations and signs for car loans, credit cards, and home loans displayed above. The front of the counter has a sign saying 'My USA' with a patriotic design.]()
Kettering in Reynolds & Reynolds
BRANCH
1 Reynolds Way
Kettering, OH 45430 -
![Exterior of a MyUSA Credit Union branch with large front windows and a blue facade.]()
Moraine
BRANCH & ATM
3115 S Dixie Dr
Dayton, OH 45439 -
![A building with a sign that reads "My USA" outside, with bushes in front and a paved parking area.]()
Springfield
BRANCH & ATM
1620 Upper Valley Pike
Springfield, OH 45504
Ready to roll?
Join your neighbors across Southwest Ohio who trust MyUSA to get them on the road for less.
Disclosures
*Offer valid for new MyUSA CU auto, motorcycle, boat and RV loan applications received between July 1 and September 31, 2026, and closed by October 31, 2026. For qualified new purchases and refinanced loans that are currently not held by MyUSA CU, 1) member may receive 0.75% off the then standard published loan rate they qualify for at the time of application; or 2) member may receive 1.0% off the then standard published loan rate they qualify for at the time of application if they also open a new MyUSA credit card at the same time or have an existing MyUSA credit card with a transaction within the last 12 months. New eligible MyUSA loans and credit cards will be approved up to current loan limits under normal underwriting conditions. APRs will be based on the standard published rates and may vary depending upon each individual’s credit history and underwriting factors. Offer valid on auto, motorcycle, boat, and RV loans only and cannot be used to refinance an existing MyUSA loan or on loans approved through the Auto Advantage program. To obtain a loan or credit card, you must first become a MyUSA CU member, be 18 years of age, and satisfy MyUSA’s underwriting criteria; not all applicants will qualify. For eligible loans (excluding credit cards), member is not required to make any payments for up to 90 days after the date the loan is closed, but interest accrues. If debt protection is purchased and added to the loan, the first payment MUST be made by the 90th day from the date the loan was closed or debt protection coverage will be cancelled. Offer effective July 1, 2026, is subject to change or end without notice, and cannot be combined with any other offer. Other terms, conditions, limits and fees may apply; speak to a MyUSA Associate for more details.